PAYMENT AND INSURANCE
A&C Family Therapy offers services at a range of rates so that all members of the community can receive exceptional mental health care. Generally, rates are as follows:
1. Independently Licensed Therapists
Independently Licensed Therapists have completed a graduate or doctoral program and the required number of supervised clinical hours. This is the level of training and experience most insurance companies require for reimbursement. See “Payment and Insurance” section below to make sure you are eligible for reimbursement through your insurance company.
Session rates fall between $190 and $300 depending on experience and demand.
2. Residents and Post-Doctoral Students
Residents, Post-Docs, and License-Eligible Therapists have completed a clinical graduate or doctoral program in Counseling, Marriage and Family Therapy, Psychology, or Social Work. They are accruing the required number of hours for independent licensure and provide services under the license of their A&C Clinical Supervisor. They typically receive 1-3 hours of clinical supervision a week. Some insurance companies and insurance plans will reimburse for therapy sessions provided by a Resident; please contact your insurance to confirm.
Session rates fall between $138 and $163 (except special circumstances when it may be higher).
Interns are graduate students in the field of Counseling, Social Work, or Psychology. Their internship with Active & Connected Family Therapy is part of their graduate school training and they work closely with an A&C Clinical Supervisor, our most senior level clinician. We are selective in hiring interns, ensuring that they have both the experience and maturity to offer high-quality care. Most insurance companies will not reimburse for therapeutic services provided by an intern.
For payment information regarding psychiatry, please contact 434-202-4080, ext. 102.
Payment and Insurance
Most of our clinicians operate outside of the insurance network; however, depending on your current health insurance provider or employee benefit plan, partial or full reimbursement is possible. Please contact your insurance company to verify how your plan compensates you for mental health services. If your insurance provides out-of-network reimbursement, you will pay for your sessions up front and then submit a special receipt, called a Superbill, to your insurance for reimbursement. A&C automatically provides Superbills as a courtesy on the 10th of every month for sessions the prior month; contact our billing specialist at firstname.lastname@example.org should you need assistance.
We do, however, have one provider who is in-network with several insurance providers. Kathleen Van Allen, LPC provides face-to-face therapy in Lynchburg and teletherapy across Virginia.
We would recommend asking these questions to your insurance provider to help determine your benefits:
- Does my health insurance plan include mental health benefits?
- Do I have a deductible? If so, what is it and have I met it yet?
- Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
- Do I need written approval from my primary care physician in order for services to be covered?
- Does my insurance plan cover services by Residents in Counseling if they are supervised?
- Does my insurance reimburse for out of network mental health services? If so, what is the reimbursement rate?
Accepted Payment Methods
We accept most major credit cards as forms of payment. We also accept most HSA and FSA plans. Under extenuating circumstances, we are able to accept payment via cash or check; please contact your therapist directly or email email@example.com for approval to use one of these alternative payment methods.
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you will be charged for the full rate of the session. A no show for initial intakes will result in a charge of $50 for a resident or licensed clinician and $25 for an intern. No shows for established clients will result in being charged the full rate of the session. Some clinicians offer 1-2 “freebies”; speak with your therapist for more information.
Right to a Good Faith Estimate
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.
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